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3 things I wish someone had told me:

- don't buy a new car. there's plenty of reliable vehicles between 5-10k that will serve you well for many years

- most banks will let you set up as many checking accounts as you want. figure out your monthly budget for bills, and automatically deposit that amount + a little extra to a separate "bills" checking account. autodraft all your bills from that account

- be careful with credit cards!




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